MONEYCORE

What MONEYCORE does

Moneycore is a French consulting firm founded in 2014 specializing in electronic banking (monétique), payment systems, and digital transformation. Headquartered in Courbevoie, the firm operates from offices in five countries—France, the United States (Miami), Tunisia (Tunis), Morocco (Rabat), and the United Arab Emirates (Dubai)—and serves banking and financial institutions, retail, and leisure sector clients across Europe, North America, North Africa, and the Middle East.

The company's core offering is an integrated consulting ecosystem organized around nine business units: electronic banking and payment methods consulting (the founding practice), Moneycore Cyber Defense (cybersecurity), software development services in Java, PHP, .NET, and Angular with DevOps on AWS/Azure cloud platforms, a Data Factory built on Big Data tooling (Scala, Python, Airflow), a Digital Factory, Moneycore Academy (training), Veille & Stratégie (market intelligence), and the Moneycore Pay sub-brand. The firm also operates SmartLab, an R&D and innovation unit holding the French "Innovative Company" certification. The technology stack spans mainstream enterprise tooling rather than proprietary platforms, with AI/ML embedded in delivery (anomaly detection, NLP chatbots, document recognition) but not productized as standalone IP.

The business model is professional services with project-based engagements. Revenue is generated through consulting fees, technology implementation projects, training programs, and managed services tied to multi-year client engagements. Revenue scaled from €9M in 2019 to €17M in 2021 (roughly 38% CAGR) with headcount growing from 125 to over 200 employees, and named clients in the public record include Natixis and MasterCard, with the firm positioning itself as a pure-player in the French- and Francophone-speaking payment-systems niche.

Name

MONEYCORE

Legal name

MONEYCORE

Website

https://moneycore.fr

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Moneycore is a French consulting firm specializing in electronic banking, payment systems, and digital transformation, serving banks, retailers, and leisure companies across five countries through practices spanning cybersecurity, data engineering, software development, and AI-enabled payment solutions.

Ownership category

akta.pro rank

Product category

Payment Systems Consulting

NAICS

Depository Credit Intermediation (5221)

SIC

Finance Services (6199)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

akta.pro secondary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Payment systems consulting
• Electronic banking advisory
• Cybersecurity consulting services
• Digital transformation consulting
• Payment infrastructure modernization

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Consulting Services: Professional consulting services in electronic banking, payment methods, and information systems. Project-based engagements with major players in banking, retail, and leisure sectors.
2. Training Services: Electronic money and payment methods training seminars and courses offered through Moneycore Academy. Both standardized and customized training programs for corporate clients.
3. Digital Transformation Services: Digital Factory and Data Factory services including web development, mobile applications, IT infrastructure management, and business intelligence solutions.
4. Cybersecurity Services: Cybersecurity consulting and integration services including security audits, CERT/incident response, operational security, training & awareness, and digital identity solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Moneycore is a French consulting firm that provides specialized advisory, project management, integration, certification, and training services in electronic banking (monétique) and payment methods. It supports banks, retailers, and leisure-sector clients across the full payment value chain — issuance, acquisition, acceptance, and certification — as well as adjacent capabilities in cybersecurity, software development, data analytics, and digital transformation.

Product overview

MONEYCORE is a consulting firm offering a portfolio of specialized consulting services in electronic banking, payment systems, cybersecurity, and digital transformation. The core offering centers on Monétique et Moyens de Paiement consulting for payment infrastructure, complemented by specialized divisions: Moneycore Cyber Security for cybersecurity consulting, Software Development for IT consulting, Data Factory for big data and analytics, Digital Factory for digital transformation, Moneycore Academy for training, Veille & Stratégie for market intelligence, and Recherche et Innovation for R&D. Moneycore Pay represents a payment-focused sub-brand. These services work together as an integrated consulting ecosystem addressing the full payment value chain from consulting and implementation to training and innovation.

Differentiator

Problem solved

Functional benefit

Brands

• Moneycore Academy: Training platform offering courses in electronic banking and payment methods, e-books, market research and more.

Products and services

• Monétique et Moyens de Paiement (Electronic Banking & Payment Methods) Consulting services for electronic banking and payment methods covering issuance, acquisition, routing, and acceptance. Provides project management, MOA support, TMA/TRA services, end-to-end support, and certification assistance for national and international organizations.
• Moneycore Cyber Security Cybersecurity consulting and integration services covering security audits, incident response (CERT), operational security, training and awareness, and digital identity management. Offers services in advising, auditing, securing, forming, and investigating.
• Software Development Full lifecycle IT consulting covering software development (web, mobile, IoT), infrastructure management (Cloud, SaaS, PaaS), technical and business consulting, and project assistance from requirements to production launch. Uses agile methodologies and DevOps practices with engineering profiles in JAVA, PHP, DotNet, and Angular.
• Data Factory Big data and analytics consulting services including strategic roadmap, needs assessment, data security, algorithm industrialization, data warehouse design, and predictive dashboard implementation using BI tools such as Scala, Python, Airflow, AWS, and Azure.
• Digital Factory Digital transformation consulting combining human and technological resources. Covers digital strategy building, customer experience improvement, performance management, campaign management, and e-reputation optimization with a 360-degree customer vision.
• Moneycore Academy Training organization offering courses in electronic banking, payment methods, e-books, market research, and professional development. Includes Power BI training and specialized seminars on topics like Visa/MasterCard authorization, ATM systems, and M/Chip Advance.
• Veille & Stratégie (Monitoring & Strategy) Strategic consulting providing market insights, competitive analysis including benchmarks, trend books, market insights, and segmented analysis by activity and country, with specific recommendations for chosen themes.
• Recherche et Innovation (Research & Innovation) Research and innovation unit labeled as 'Innovative Company' with SmartLAB and R&D units. Conducts continuous monitoring on digital transformation, co-creation workshops, MVP proposals, and test areas for innovative solutions.

Quantifiable outcome

• Revenue growth from 9M€ (2019) to 17M€ (2021)
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ENSICAENcoreStrategic or Co-development Partner · 6 September 2020Educational partnership with ENSICAEN engineering school specializing in monétique. Joint student projects, recruitment sessions, and collaborative R&D initiatives. Moneycore presents projects to students and recruits for various projects.
• NatixiscoreStrategic or Co-development Partner · 6 September 2020Collaborative partnership on ENSICAEN 3A student projects. Natixis participates alongside Moneycore in presenting projects to engineering students and selecting participants for collaborative initiatives.
• McKinseyminorGTM or Marketing Partner · 1 November 2015Moneycore electronic payment expert participated in a McKinsey-organized conference at the Card 2015 trade fair. Panel discussion on E-Money and M-Money in emerging markets alongside McKinsey and MasterCard representatives.
• MasterCardminorGTM or Marketing Partner · 1 November 2015Joint panel participation with McKinsey at Card 2015 trade fair. Expert from Moneycore contributed to discussions on innovation challenges, capabilities, and future of electronic payments industry.

Scale indicators9 records

Recent moves7 records

Expansion highlights4 records

Others

• Worldline: European payment services and merchant acquiring giant headquartered in France — though primarily a payment processor rather than consultant, it is a frequent Moneycore client/ecosystem counterpart for payment modernization programs.
• SmartStream Technologies: Listed technology partner of Moneycore's providing payment operations software (TLM Aurora) including AI-based cross-border payment automation and SWIFT gpi tracker integration — adjacent ecosystem player rather than direct competitor.

Broad incumbents

• Accenture: Global professional services firm with a large Payments and Cards practice delivering consulting and implementation to issuers, acquirers, and schemes worldwide — competes for the largest payment modernization mandates Moneycore targets.
• CGI Group: Global IT and business consulting firm with a significant European banking and payments services practice covering systems integration, testing, and managed services — competes on the implementation and certification work Moneycore specializes in.
• McKinsey & Company: Global strategy consulting firm with a Financial Services Practice covering payments strategy, having shared panel stages with Moneycore at industry events like Cartes — represents the strategic-tier competitor Moneycore must defend against in advisory work.
• Sopra Steria: Major French IT services group with a dedicated Banking & Financial Services vertical covering payment systems implementation, core banking modernization, and regulatory programs across Europe — overlapping with Moneycore's monétique and digital factory offerings at greater scale.
• Capgemini: Global consulting and technology services leader with a dedicated Financial Services practice covering payments, cards, and core banking modernization — sets the competitive ceiling Moneycore is challenging in payment infrastructure consulting.

Direct peers

• Devoteam: French-headquartered IT consultancy with deep cloud, data, and digital transformation capabilities serving banking and retail clients across Europe — directly comparable on Digital Factory and Data Factory service lines.
• Wavestone: French-origin consulting firm with a strong banking and payments practice serving European financial institutions on payment systems, regulatory compliance, and digital transformation — directly comparable in scale and vertical focus to Moneycore.
• Talan: Paris-based consulting and technology firm of comparable size with strong practices in financial services, data, and digital transformation — competes for similar French enterprise clients in payments and digital factory work.

Market position

Strengths5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MONEYCORE